Mortgage Lenders and Brokers in Wilmington, Massachusetts
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Wilmington, Massachusetts mortgage lenders include Reading Cooperative BankReading Cooperative Bank230 Lowell St, Wilmington, MA 01887A4.5 ★Texas Ratio: 0.72%, Citizens Bank, NACitizens Bank, NA224 Main St, Wilmington, MA 01887A+5.0 ★Texas Ratio: 5.44%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA208 Main St, Wilmington, MA 01887A+5.0 ★Texas Ratio: 3.68%, M&T BankM&T Bank247 Main St, Wilmington, MA 01887A+5.0 ★Texas Ratio: 4.11%, Eastern BankEastern Bank370 Main St, Wilmington, MA 01887A+5.0 ★Texas Ratio: 2.61%, Bank of America NABank of America NA390 Main St, Wilmington, MA 01887A+5.0 ★Texas Ratio: 4.14%, Lowell Five Cent Savings BankLowell Five Cent Savings Bank270 Main St, Wilmington, MA 01887A5.0 ★Texas Ratio: 6.48%, Salem Five Cents Savings BankSalem Five Cents Savings Bank281 Main St, Wilmington, MA 01887A+5.0 ★Texas Ratio: 3.29%, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, and Direct Federal Credit UnionDirect Federal Credit Union50 Cabot St, Needham, MA 02494. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Wilmington, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Wilmington are listed first, then lenders elsewhere in Massachusetts, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Wilmington, Massachusetts
Market share is the lender's share of all home loans closed in Wilmington, Massachusetts. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Wilmington 230 Lowell St, Wilmington, MA 01887 A4.5 ★Texas Ratio: 0.72% |
Conventional | 9 | 2.6% | 81.8% | $305,000 | View |
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1 office in Wilmington 224 Main St, Wilmington, MA 01887 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 7 +55 HELOCs |
2% | 88.9% | $672,142 | View |
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1 office in Wilmington 208 Main St, Wilmington, MA 01887 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 7 +2 HELOCs |
2% | 87.5% | $489,285 | View |
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1 office in Wilmington 247 Main St, Wilmington, MA 01887 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 3 +2 HELOCs |
0.9% | 100% | $521,666 | View |
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1 office in Wilmington 370 Main St, Wilmington, MA 01887 A+5.0 ★Texas Ratio: 2.61% |
Conventional, HELOC | 1 +34 HELOCs |
0.3% | 50% | $745,000 | View |
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1 office in Wilmington 390 Main St, Wilmington, MA 01887 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +14 HELOCs |
0.3% | 100% | $415,000 | View |
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1 office in Wilmington 270 Main St, Wilmington, MA 01887 A5.0 ★Texas Ratio: 6.48% |
Conventional, Jumbo | 1 | 0.3% | 100% | $965,000 | View |
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1 office in Wilmington 281 Main St, Wilmington, MA 01887 A+5.0 ★Texas Ratio: 3.29% |
HELOC | 0 +14 HELOCs |
0% | n/a | View | |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional, Jumbo, HELOC | 20 +3 HELOCs |
5.7% | 100% | $612,500 | View |
Direct Federal Credit Union
50 Cabot St, Needham, MA 02494 |
Conventional | 7 | 2% | 77.8% | $279,285 | |
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84 Main St, Andover, MA 01810 A5.0 ★Texas Ratio: 9.38% |
Conventional | 7 | 2% | 100% | $457,857 | View |
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107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99% |
Conventional | 6 | 1.7% | 100% | $440,000 | View |
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279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
Conventional, Jumbo | 5 | 1.4% | 83.3% | $645,000 | View |
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1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39% |
Conventional, HELOC | 4 +13 HELOCs |
1.1% | 100% | $270,000 | View |
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408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 4 +3 HELOCs |
1.1% | 100% | $630,000 | View |
Bankesb
770 Main St, Agawam, MA 01001 |
Conventional | 4 | 1.1% | 100% | $447,500 | |
Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
Conventional, Jumbo, HELOC | 3 +7 HELOCs |
0.9% | 60% | $655,000 | |
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188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52% |
Conventional, HELOC | 3 +1 HELOCs |
0.9% | 75% | $578,333 | View |
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419 Broadway, Everett, MA 02149 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 3 | 0.9% | 100% | $341,666 | View |
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105 Broadway, Arlington, MA 02474 A+5.0 ★Texas Ratio: 1.72% |
Conventional | 3 | 0.9% | 100% | $135,000 | View |
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125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.9% | 100% | $401,666 | View |
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381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.6% | 100% | $770,000 | View |
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112 County Rd, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 0.22% |
Conventional, Jumbo | 2 | 0.6% | 66.7% | $765,000 | View |
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211G Lowell St, Wilmington, MA 01887 A5.0 ★Texas Ratio: 10.06% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $105,000 | View |
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245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $415,000 | View |
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2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75% |
Conventional | 1 | 0.3% | 100% | $435,000 | View |
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250 maple st, lynn, MA 01904 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 0.3% | 100% | $405,000 | View |
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850 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.22% |
Conventional | 1 | 0.3% | 100% | $435,000 | View |
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493 Boston Rd, Billerica, MA 01821 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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2745 Main St, Brewster, MA 02631 A+5.0 ★Texas Ratio: 3.37% |
Conventional | 1 | 0.3% | 100% | $585,000 | View |
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5 Scotland Blvd, Bridgewater, MA 02324 A5.0 ★Texas Ratio: 9.41% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
Boston Firefighters CU
60 Hallet St, Dorchester, MA 02124 5408 |
Conventional | 1 | 0.3% | 100% | $605,000 | |
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Leslie O Johnson Road, Gloucester, MA 01930 A+5.0 ★Texas Ratio: 2.00% |
Conventional | 1 | 0.3% | 100% | $395,000 | View |
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271 Main St, North Reading, MA 01864 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $845,000 | View |
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389 Hanover St, Boston, MA 02113 A+5.0 ★Texas Ratio: 0.32% |
Conventional | 1 | 0.3% | 100% | $845,000 | View |
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120 Lincoln Ave, Haverhill, MA 01830 A+5.0 ★Texas Ratio: 5.92% |
Conventional | 1 | 0.3% | 100% | $545,000 | View |
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40 Friend St, Amesbury, MA 01913 A-4.9 ★Texas Ratio: 16.54% |
Conventional | 1 | 0.3% | 100% | $595,000 | View |
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300 Granite St Fl 3, Braintree, MA 02184 3909 A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 50% | $255,000 | View |
RiverWorks Credit Union
256 Freeport St, Dorchester, MA 02122 2845 |
Conventional | 1 | 0.3% | 100% | $285,000 | |
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325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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820 Suffield Strret, Agawam, MA 01001 A+5.0 ★Texas Ratio: 5.36% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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100 Macy St, Amesbury, MA 01913 4315 |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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56 Common St, Barre, MA 01005 C+4.0 ★Texas Ratio: 26.47% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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55 Fruit St, Boston, MA 02114 2621 A5.0 ★Texas Ratio: 9.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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414 Massachusetts Ave, Acton, MA 01720 A5.0 ★Texas Ratio: 13.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 109 Causeway St, Boston, MA 02114 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Salem Five Mortgage Company LLC
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Conventional, Jumbo | 20 | 5.7% | 95.2% | $626,500 | |
New Fed Mortgage Corp.
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Conventional, FHA | 5 | 1.4% | 100% | $607,000 | |
Msa Mortgage, LLC
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Conventional, FHA | 4 | 1.1% | 100% | $612,500 | |
Radius Financial Group Inc
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Conventional | 3 | 0.9% | 100% | $505,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 3 | 0.9% | 100% | $558,333 | View |
Ross Mortgage Company
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Conventional | 1 | 0.3% | 100% | $645,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 0.3% | 100% | $605,000 | |
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A+5.0 ★Texas Ratio: 4.53% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
Members Mortgage Company Inc
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FHA | 1 | 0.3% | 100% | $445,000 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 24 | 6.9% | 83.3% | $399,583 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo, HELOC | 22 +2 HELOCs |
6.3% | 100% | $652,727 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo, HELOC | 22 +2 HELOCs |
6.3% | 100% | $581,818 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 15 | 4.3% | 100% | $663,000 | |
Movement Mortgage, LLC
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Conventional | 12 | 3.4% | 100% | $399,166 | |
loanDepot.com LLC
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Conventional, VA, Jumbo, HELOC | 8 +1 HELOCs |
2.3% | 100% | $422,500 | |
New American Funding, LLC.
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Conventional, FHA | 7 | 2% | 87.5% | $473,571 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 6 | 1.7% | 100% | $385,000 | View |
Fairway Independent Mort Corp
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Conventional, VA | 6 | 1.7% | 100% | $593,333 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 5 | 1.4% | 100% | $527,000 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 4 +1 HELOCs |
1.1% | 100% | $262,500 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 4 | 1.1% | 100% | $707,500 | |
Guild Mortgage Company
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Conventional | 4 | 1.1% | 100% | $455,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 3 | 0.9% | 100% | $568,333 | |
Newrez LLC
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FHA, VA | 3 | 0.9% | 37.5% | $598,333 | |
Mortgage Research Center
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VA | 3 | 0.9% | 75% | $641,666 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.6% | 100% | $570,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.6% | 66.7% | $595,000 | |
Guidance Residential, LLC
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Conventional | 2 | 0.6% | 100% | $805,000 | |
Dart Bank
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Conventional | 2 | 0.6% | 100% | $590,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 2 | 0.6% | 100% | $615,000 | View |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 0.6% | 100% | $595,000 | |
Total Mortgage Services, LLC
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Conventional | 2 | 0.6% | 100% | $565,000 | |
Better Mortgage Corporation
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Conventional, FHA | 2 | 0.6% | 100% | $515,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.6% | 66.7% | $475,000 | |
Arc Home LLC
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Conventional | 1 | 0.3% | 100% | $335,000 | |
EMM Loans LLC
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Conventional | 1 | 0.3% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,045,000 | View |
First Community Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Primelending
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Conventional | 1 | 0.3% | 100% | $855,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.3% | 100% | $825,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.3% | 100% | $475,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.3% | 100% | $565,000 | |
The People's Credit Union
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Conventional | 1 | 0.3% | 100% | $535,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 25% | $135,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.3% | 100% | $675,000 | View |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $625,000 | |
Service Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Harborone Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $605,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Union Savings Bank
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VA | 1 | 0.3% | 100% | $805,000 | |
Mid-Island Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $435,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 100% | $165,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $725,000 | |
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A5.0 ★Texas Ratio: 7.00% |
Conventional | 1 | 0.3% | 50% | $455,000 | View |
Webster Bank, N.A.
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,045,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 0.3% | 100% | $375,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A-5.0 ★Texas Ratio: 14.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 7.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Wilmington Mortgage Rate Trends
Daily average mortgage rates for Massachusetts compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Wilmington, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Wilmington? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Wilmington in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Wilmington, MA
Use these to narrow the list above. Each category shows how many Wilmington, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Wilmington, MA
Independent mortgage companies closed 52.9 percent of home loans in Wilmington, Massachusetts in 2025, banks 38 percent and credit unions 9.1 percent. New Fed Mortgage Corp. was the largest mortgage company, Reading Cooperative Bank the largest bank and Direct Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Reading Cooperative Bank led with 9 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in Massachusetts. State deeds excise (transfer tax) of $4.56 per $1,000 of price, customarily paid by the seller; Barnstable County charges $6.12 per $1,000, and Nantucket and Martha's Vineyard add a 2 percent buyer paid land bank fee. No mortgage recording tax.
More Massachusetts Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Wilmington, MA
By home loans closed in 2025, Reading Cooperative Bank was the largest mortgage lender in Wilmington, Massachusetts with 9 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Wilmington, Massachusetts in 2025, led by CrossCountry Mortgage, LLC with 3. 12 lenders closed VA loans, led by Guaranteed Rate, Inc.. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 54 banks and 18 credit unions closed home loans in Wilmington, Massachusetts in 2025, alongside 42 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Wilmington, Massachusetts during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Wilmington, Massachusetts for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Wilmington. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
